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    • Morning dx and thank you for your message.   With regards to your comment about them not needing to produce the deed, the additional directions ordered by the judge included 'a copy of any assignment o the debt or agreement relied upon'  so that is why I thought that point was relevant?
    • Sorry for the long post but I don't want to miss out any relevant information: My wife bought a car from Trade Centre UK and have been having nothing but trouble with it. Unfortunately we paid of the finance used to buy the car as we weren't expecting this much trouble with the car as we we though we would have protection as buying from a dealer. We are wondering if we can still reject the vehicle since the finance plan has been paid off. Timeline is as follows: 13/12/2023 -15/12/2023 Bought car from Trade Centre UK for £10548 £2000 deposit paid on credit card on 13/12/2023 £8548 on finance from Moneybarn (arranged through Trade Centre UK). picked up car on 15/12/2023 Also bought lifetime warranty for £50/month 25/12/2023 Engine Management Light comes on. The AA called out and diagnosed the following error codes: P0133 - Lambda sensor (bank 1, sensor 1) Oxygen Sensor. Error Message : Slow reaction. Error sporadic P0135 - Lambda sensor heat. circ.(bank1,sensor1) Oxygen Sensor. Error Message : Component defective Due to it being Christmas took a few days to get through to them but they booked me in for 28/12/2023 to run their own diagnostics. 28/12/2023 Took car in to Trade Centre so could check the car – They agreed it was the Oxygen Sensor and Booked me in for repair on 30/01/2024. I was told they had no earlier slots, and I would be fine to carry on driving car when I said I was afraid of problem worse. During diagnosing the problem, they reset the Engine Management Light. During drive home light comes back on. 29/12/2023 - 29/01/2024 I carry on driving the car but closer to the date, engine goes to reduced power every now and again – not being a mechanic I presumed that this was due to above fault. 20/01/2024 Not expecting any more problems paid off the finance on the car using personal loan from bank with lower interest rate. 30/01/2024 Trade Centre replace to O2 sensor (They also take it on a roughly 60mile road trip which seems a bit excessive to me – I can’t prove this as something prompted me take a picture of milage when I handed car in but I forgot take one on collection – only remembered next day.) 06/02/2024 Engine goes in reduced power mode again and engine management light comes on – Thinking the Trade centre’s 28 day warranty period was over I booked the car the into local garage for the next day to get problem fixed under the lifetime warranty package. Fault seems to clear after engine was switched off. 07/02/2024 In the Morning, I take it to local garage who say as the light gone off – the warranty company is unlikely to cover the cost of the repair or diagnostics and recommend I contact them when the light comes back on. In the evening the light comes back on and luckily I manage to get it back to the garage just before it shuts for the day. 08/02/2024 The Garage sends me a diagnostics video showing a lot error codes been picked up by their diagnostics machine including codes for Oxygen sensor and Nox Sensors, Accelerator pedal and several more. Video also shows EGR Hose not connected to the intake manifold properly, they believed this was confusing the onboard system as it is unlikely this many sensors would trigger at same the time but they couldn’t be certain until they repaired the hose. 13/02/2024 Finally get the car back as it took a while to get approval and payment for the repairs from the Warranty company. Garage told me to keep an eye the car as errors had cleared with the hose but couldn’t 100% certain that’s what caused the problem. 06/03/2024 Engine management light comes on again. Fed up I go into Trade Centre as I was just around the corner when it happened and asked them how to reject the car or have the problem fixed. They insist that as it’s over 28 days I need to get the car fixed under the warranty package I purchased and they could no longer fix the car as it was over 28 days. When I tried telling them it appeared to be the same or related problem they said they couldn’t help as I hadn’t contacted them earlier. I asked them if they were willing to connect the car to the diagnostics machine and tell me what the problem was, as a goodwill gesture, which he agreed to do and took the car to the back He came back around 30 minutes later and said they took a look at the sensor they replaced previously and there was nothing wrong with it and engine management light went off when they removed the sensor to check it. When I asked what the error code he couldn’t give me an exact fault but the said it one of the problems I told him earlier (Accelerator pedal). I have this visit audio recorded on my phone – I informed the reps I was recording several times. As the light wasn’t on, local garage couldn’t book me for a repair under warranty. 07/03/2024 Light came on so managed to book back into local garage for the 12/03/2024 Whilst waiting to take car into garage, I borrowed a OBD sensor and scanned for errors on the car. This showed the following errors: P11BE – Manufacturer specific code (Google showed this to be NOX sensor) P0133 - Oxygen (Lambda) Sensor B1 S1: Response too Slow 12/03/2024 Took car to local garage and the confirmed the above errors. This leads me to believe that either Trade Centre UK reps lied and just reset the light or just didn’t check properly (Obviously I am unable to prove this) 22/03/2024 Finally got the car back as according to garage, the warranty company took a long to time to pay for the repairs 28/04/2024 Engine management Light has come back on. Using the borrowed OBD scanner I am getting the following codes: P0133 - Oxygen (Lambda) Sensor B1 S1: Response too Slow P2138 - Accelerator Position Sensors (G79) / (G185): Implausible Correlation I have not yet booked into a garage as I wanted to see what my rights are in terms of rejecting the car as to me the faults seem related. I can’t keep using taxi or train to get to work every time the car goes into the garage as it is getting very expensive. Am I right in thinking that they have used up their chance to repair when they conducted the repair end of January or when they refused to repair it in February ? If I am still able to reject the vehicle could you point to any sample letters or emails I can use. Thankyou for your advice on my next steps.
    • Ok noted about the screenshot uploads. In terms of screwing up I had one previous ticket that defaulted and ended up in a CCJ from Southend airport because for some reason during COVID I didn't receive their claim form just a notice of default. This hospital ticket was the 2nd ticket that went to CCJ due to a lack of knowledge of the process. Maybe it's easier just to pay them in future I'm thinking though, I don't get them very often anyway
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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Beckett v Lloyds TSB - Going Back More than 6 Years


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yes it was when i hit 18 and the problems really started.

 

is anyone geared up to help me with this when i get to MCOL stage in 2 and a bit weeks?

Halifax WON X 2, Northern Rock WON, Capital One WON, Marbles WON, HSBC WON

On the 25th october I will be filing a claim for £175.00 Citicards. Just watch it!

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No need to worry ... everyone will be here to help you troughout the whole process of your claim.

Good luck, keep us posted and any questions just shout.

In the meantime read, read and red some more

XxXxX

;)

If I have been helpful, PLEASE click the scales

 

 

You may receive differing advice as people have had different experiences. Please use your own judgement in deciding whose advice to take. If in doubt seek advice from a qualified insured professional. Any advice I offer is done so informally, without prejudice & without liability.

 

 

I WON !!!!

 

 

HERE WE GO AGAIN .... BRING IT ON

 

:D

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  • 2 weeks later...

I am going back 1999-2001, is it worth contuing my claim as my barclaycard defence mentioned limitation act and given the lloyds win, i think i should give up? any thoughts?

Halifax WON X 2, Northern Rock WON, Capital One WON, Marbles WON, HSBC WON

On the 25th october I will be filing a claim for £175.00 Citicards. Just watch it!

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In 2000-2001 I went over my od limit monthly.

 

However I am not sure anyone can remember but you account upon exceeding the OD limit was transferred to the collections department which took 2 weeks. whereby I couldnt deal with the branch because it had been transferred and i couldnt speak to collections because they hadnt received it. this caused me to run up further charges because nothing could get agreed.

 

Of course i got paid and the account went back to the branch which took 2 weeks. Mid way through the month I got hard up again and the account was transferred back.

 

I am sure there is a defence to be put here about

1) No-one was taking responsibility for the account as it was in cyberspace between 1 dept and another

2) I couldnt agree anything with anyone because the account kept getting moved.

 

Any thoughts on this?

Halifax WON X 2, Northern Rock WON, Capital One WON, Marbles WON, HSBC WON

On the 25th october I will be filing a claim for £175.00 Citicards. Just watch it!

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to be honest this board, helpful though it was is starting to resemble very long threads hijacked by unrelated questions. I want to know and I think there should be a post to newcomers stating whether

a) we should continue

b) have people won since the lloyds win

c) whats the state of play now.

 

my message really looks at the banks management of my account in a different light.

Halifax WON X 2, Northern Rock WON, Capital One WON, Marbles WON, HSBC WON

On the 25th october I will be filing a claim for £175.00 Citicards. Just watch it!

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The success threads are becoming a little hijacked and i cant see any wins since the victory.

 

I am about to relaim 1998-2000 next week so need to be sure this is still a goer as the court fee will be quite a bit.

Halifax WON X 2, Northern Rock WON, Capital One WON, Marbles WON, HSBC WON

On the 25th october I will be filing a claim for £175.00 Citicards. Just watch it!

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They've paid every single claim since. In fact, the draft of the judgement was given to the parties weeks before it was handed down formally and went public, and within that time nothings changed at all.

 

It was a one-off and will not happen again - and Lloyds know this.

 

Thanks for letting me know about the success threads - I'll sort them out when I get the chance.

Please remember to DONATE! Help CAG keep up the fight!

 

 

Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

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I have just had a refund for my full claim, I received no indication from Lloyds or [problem] that I was getting the money, I checked my account today and there it was, I haven't come down from the ceiling yet, I want to go and spend it all before they take it back!!!(only joking, can seriously pay some more debts of now) my court date was due on the 20 June and I had just finished getting my bundle together and was going to post it tomorrow!!!:D

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Yes me too. Full settlement the day before court.

My advice has hardly any legal foundation whatsoever, however you never know it it might just work!

:cool:

 

NatWest Prelim 07.10.206

LBA 21.10.2006

MCOL 30.10.2006

Acknowledgment of Service 06.11.2006

Offer of approx 50% £2200.00 22.11.2006

Full settlement £4500 received 03.01.2007

Smile settled in full

Barclaycard settled in full

RBS Worldwide settled in full

Lloyds TSB settled in full £750.00

Lloyds TSB settled in Full £275.00 11.04.2007

Lloyds TSB business account £1376.00 AQ filed

Lloyds TSB Business account settled in full 21.05.07

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thanks I am still lost. can i just start the ball rolling with the template mcol claim>

Halifax WON X 2, Northern Rock WON, Capital One WON, Marbles WON, HSBC WON

On the 25th october I will be filing a claim for £175.00 Citicards. Just watch it!

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Hi there

For what it is worth, I would not go to MCOL... I too am trying for more than six years (back to 1996) for my son and MCOL referred back to my local Court. I have always worried that because I was doing something 'different', the character restrictions might have not helped, too.

 

I am filing for an amendment tomorrow and have elaborated on my original submission (as well as other amendments)

 

MJAY

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why did MCOl refer back?? i cant really get to the court so will have to be done.. i am surprised no-one can lend me a line to insert to allow the case to be issued,

Halifax WON X 2, Northern Rock WON, Capital One WON, Marbles WON, HSBC WON

On the 25th october I will be filing a claim for £175.00 Citicards. Just watch it!

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i cant really get to the court so will have to be done.. i am surprised no-one can lend me a line to insert to allow the case to be issued,

 

If you are issuing a claim against LTSB that you feel maybe staute barred should you not have it clear in your mind what you are going to state to the judge - surely you should not just be adding 'a line to allow the case to continue' - the case will continue anyway but unless you are sure of your arguments then in the long run it may fail.

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however the threads on here are mindblowing, if someone knows of a thread that deals with statute barring this would be really helpful. thanks

Halifax WON X 2, Northern Rock WON, Capital One WON, Marbles WON, HSBC WON

On the 25th october I will be filing a claim for £175.00 Citicards. Just watch it!

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  • 2 weeks later...

Hi Guys. Nothing but good news............!!!

my son's case is due in Court Tuesday but a letter has come stating that 90% of the claim will be deposited in his account in the next three working days.......!!!!!!!!!!!!!!!!!!! A life changing amount for him. he is of course going to court anyway for the other 10%......!!!!!!!!!

 

Oh, by the way...... I was claiming back to 1996..........!!

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OK i have done the MCOL requesting back just over £2k from 1998 to 2000. My local judge seems to be throwing out defences now from banks and in my claim i ststed that LTSB on 2 occassions told me they have no data byt then came up with it, so more evidence, i will send copies of the letters to MCOL with a schedule of charges. LTSB has notr responded to either my request for charges or the LBA.

Halifax WON X 2, Northern Rock WON, Capital One WON, Marbles WON, HSBC WON

On the 25th october I will be filing a claim for £175.00 Citicards. Just watch it!

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my MCOL has been accepted this morning and issued. I have written to the court outlining the charges and proof that LTSB have twice fobbed me off about not having the data which i stated on my claim.

 

Hopefully they may wish to settle this one early in view of the embarrasing nature of their fobbing off. Also the local Judge through out the b'card defence as it was an abuse so you never know.

Halifax WON X 2, Northern Rock WON, Capital One WON, Marbles WON, HSBC WON

On the 25th october I will be filing a claim for £175.00 Citicards. Just watch it!

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acknowledged today. just awaiting for the defence to say there is no way can i have the money cos its time barred.

Halifax WON X 2, Northern Rock WON, Capital One WON, Marbles WON, HSBC WON

On the 25th october I will be filing a claim for £175.00 Citicards. Just watch it!

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